Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,433Cash toward the purchase price.
Closing costs + prepaids$19,529Not just lender fees.
Before credits & paid funds$54,962The complete starting cash picture.
Estimated remaining funds due at closing
$54,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,432.75
Your down payment$35,432.75
Closing costs + prepaids$19,528.86
Total buyer cash needed$54,961.61
Remaining funds due$54,961.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,197.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,549.00
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$2,444.02
Fees + prepaids$19,528.86
Your down payment is the seller’s equity. You take over the $639,567 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $54,961.61 is due at closing. Uses and sources reconcile at $694,528.86 each. Not a Closing Disclosure.